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Bismarck city, ND

ZIP 58503 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 58503

Median Home Value
$383,300
Median Rent
$1,025
Affordability Snapshot
$106,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,462/mo PITI).

12%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

3.6x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

31.2 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 58503 in Bismarck city, ND, a household would need roughly $106,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $2,462. That is roughly in line with the local median household income ($105,108). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
74.6%+14% vs US avg
x
Vacancy Rate
5.4%-47% vs US avg
x
Broadband Access
91.5%+5% vs US avg
x
4+ Bedrooms
18.2%+23% vs US avg
x
Built Pre-1939
0.7%-94% vs US avg
x
Built Post-2014
2.2%-68% vs US avg
x
Rent Burden >30%
24.4%-51% vs US avg
x
Mortgage-Free
40.4%+6% vs US avg
x
$383,300
Home Value
$1,025
Rent
2004
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached55.5%
  • 1-unit attached10.6%
  • 2-9 units4.5%
  • 10+ units22.9%
  • Mobile home & other6.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$383,300
Median rent$1,025
Owner-occupied74.6%
Vacant5.4%
Price-to-income3.6x
Est. income to buy$106,000